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How to Use Indexed Universal Life (IUL) as Your Own Bank

Posted on June 17, 2025June 17, 2025 by Unknown user

Discover how high-income earners use a max-funded Indexed Universal Life (IUL) “L.A.S.E.R. Fund” for safe, liquid, tax-free growth—and even borrow against it to earn 20 % returns on other investments. Learn the 4-pillar test, real-estate case study, and how to become your own banker in 14 minutes.

00:00:00 – Why IUL Is the Ultimate Foundational Asset
00:00:19 – Meet Doug Andrew & the “Become Your Own Banker” Concept
00:00:54 – The 4 Pillars: Liquidity, Safety, Return, Taxes
00:01:38 – Liquidity Test: Can You Access Cash Fast?
00:02:26 – Safety Test: Protecting Principal from Loss
00:03:10 – Rate-of-Return Test vs Inflation & Cost of Funds
00:03:46 – The Least-Understood Asset: Max-Funded Insurance
00:05:29 – Scoring IUL vs IRAs, 401(k)s & Annuities
00:07:16 – Borrow vs Withdraw: Smart IUL Loan Mechanics
00:08:04 – Zero-Wash vs Indexed Loan: Earn While You Borrow
00:10:40 – 2017 Real-Estate Case Study: Net 20 % Tax-Free
00:12:25 – Next Steps

Go to: https://www.laserfund.com
Go to: https://entitlementabolitionbook.com
Go to: https://www.free10keysbook.com

Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

Did you love this video?
Want to learn more wealth and life empowerment lessons from Doug?
Here are some next steps!
========================

Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted

Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events

Claim Your Free Copy of The L.A.S.E.R. Fund Book
Go to: https://www.laserfund.com

Get a Free Copy of “The LASER Fund”

Go to: https://www.laserfund.com
Go to: https://entitlementabolitionbook.com
Go to: https://www.free10keysbook.com

Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer
https://youtu.be/_YkV1nnYKl8Get a Free Copy of “The LASER Fund” Book!
Go to: https://www.laserfund.com

Go to: https://entitlementabolitionbook.com
Go to: https://www.free10keysbook.com

Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

Did you love this video?
Want to learn more wealth and life empowerment lessons from Doug?
Here are some next steps!
========================

Ready to speak with a Specialist? Book a free Quick Consult here:
https://3dimensionalwealth.com/getstarted

Want to Learn More? Register For An Upcoming Event:
https://3dimensionalwealth.com/events

Claim Your Free Copy of The LASER Fund Book
Go to: https://www.laserfund.comGet a Free Copy of “The LASER Fund”

Go to: https://www.laserfund.com
Go to: https://entitlementabolitionbook.com
Go to: https://www.free10keysbook.com

Are you an advisor interested in what we teach? Go to: www.iulinsiderpro.com

What To Watch Next
========================
How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer

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